Florida Property & Casualty CE Package

Florida requires Property & Casualty insurance producers to complete 20 hours of continuing education every 2 years, including 4 hours of Law & Ethics Update (Fla. Stat. §626.2815). Florida producers in their first 6 years of licensure need 24 hours; producers licensed 6+ years need 20 hours. Our FL Personal Lines + Flood CE package includes 24 hours, which exceeds the state minimum. The additional hours can carry forward to your next renewal cycle (up to 24 hours) per Fla. Stat. §626.2815. (For comparison, Florida Life & Health agents need 24 hours every 2 years with 4 ethics hours — a different requirement set.)

Life & Health (L&H) CE covers life insurance, annuities, health insurance, Medicare, and long-term care topics. Property & Casualty (P&C) CE covers personal auto, homeowners, commercial property, general liability, workers' compensation, and similar coverages. The two CE tracks are tracked separately by the Florida Department of Financial Services — completing L&H CE does NOT count toward your P&C requirement, and vice versa. Dual-licensed agents must complete CE for each line they hold.

Yes. The FL Personal Lines + Flood CE package includes 4 hours of Law & Ethics Update — the exact ethics module required by the Florida Department of Financial Services for P&C CE renewal. You do not need to enroll in a separate ethics course.

When you complete your final module, JustInsurance electronically reports your CE completion to the Florida Department of Financial Services the same business day. Most states post the credit to your license record within 3-5 business days. There are no certificates to mail and no additional forms to submit on your end.

Missing your CE deadline can result in license suspension, late fees, and reinstatement requirements. Florida typically requires you to complete all overdue CE plus any reinstatement penalties before your license is reactivated. We recommend completing your CE at least 30 days before your renewal date — the entire FL Personal Lines + Flood CE package can be finished in a single sitting if needed.

Yes. Florida treats L&H CE and P&C CE as separate compliance tracks. You'll need to complete 20 hours of P&C CE for your P&C license AND the 24 hours of L&H CE for your L&H license each renewal cycle (Fla. Stat. §626.2815). JustInsurance offers both — you can bundle them at checkout.

Bundle for FL personal-lines producers who write NFIP flood policies — covers homeowners, personal auto, umbrella, inland marine, plus flood-specific coverage and underwriting. All other modules in the FL Personal Lines + Flood CE package are also state-approved by the Florida Department of Financial Services for P&C CE credit.